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Key insight: Hill’s proposal — which he said is still in early, cross-agency discussions — wouldn’t replace high-quality liquid-asset requirements but would treat discount window borrowing capacity as an incentive for banks to maintain “readiness to borrow.” Expert quote: “If that’s the world we’re talking about, it’s very possible that the central bank is really going […]

Retirement plan participation among eligible U.S. workers reached a record 86% last year, according to Vanguard‘s 2026 How America Saves report, which analyzed retirement savings behavior across nearly 5 million defined contribution plan participants. The annual report found that automatic enrollment, higher default contribution rates and broader use of professionally managed investments have reshaped retirement